TellerScore

Headquartered in Calico Rock, Arkansas, The First National Bank of Izard County is a national bank with $234.8M in total assets and $160.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1914.

The First National Bank of Izard County has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 17th. Capital cushion contributes the most (100/100, 31.14%); loan quality contributes the least (30/100, 2.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 31.14%
Loan quality30/100
Noncurrent loans ÷ total loans: 2.09%
Earnings100/100
Return on assets (annualized): 2.90%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 72.2% · 15.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (70 → 80), mostly because the loan quality component improved by 25 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202468
Q1 202572
Q2 202570
Q3 202580
Q4 202575
Q1 202676
Q2 202680
Tier 1 leverage ratio
5.00%18.31%31.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202431.62%
Q3 202431.40%
Q4 202430.65%
Q1 202531.07%
Q2 202530.59%
Q3 202530.89%
Q4 202530.49%
Q1 202630.92%
Q2 202631.14%
Noncurrent loans
2.04%2.87%3.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.09%
Q3 20243.13%
Q4 20243.19%
Q1 20253.70%
Q2 20252.84%
Q3 20252.04%
Q4 20252.35%
Q1 20262.52%
Q2 20262.09%
Return on assets
1.49%2.26%3.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.10%
Q3 20242.08%
Q4 20241.49%
Q1 20252.21%
Q2 20251.58%
Q3 20252.01%
Q4 20251.60%
Q1 20263.02%
Q2 20262.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$234.8M31.14%2.09%2.90%72.2%
Q1 202676$235.9M30.92%2.52%3.02%70.3%
Q4 202575$230.7M30.49%2.35%1.60%70.8%
Q3 202580$226.9M30.89%2.04%2.01%72.6%
Q2 202570$223.3M30.59%2.84%1.58%72.6%
Q1 202572$221.9M31.07%3.70%2.21%71.5%
Q4 202468$216.3M30.65%3.19%1.49%71.1%
Q3 202472$218.9M31.40%3.13%2.08%69.6%
Q2 202473$211.1M31.62%3.09%2.10%68.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio31.14%
99th
Total risk-based capital0.00%
24th
Problem loans2.09%
12th
Net charge-offs0.00%
54th
Return on assets2.90%
98th
Net interest margin5.08%
93rd
Efficiency ratio41.0%
95th
Loans to deposits72.2%
66th
Uninsured deposits15.5%
80th
Loan-loss reserves0.91%
18th
Texas ratio3.5%
45th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Bodcaw BankBank Stamps, AR60 out of 100, Moderate$247.3M10.9%1.38%vs
Smackover State BankBank Smackover, AR68 out of 100, Moderate$252.4M11.0%0.83%vs
Bank of Little RockBank Little Rock, AR56 out of 100, Moderate$252.9M8.6%0.51%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Petit Jean State BankBank Morrilton, AR93 out of 100, Very strong$260.0M16.9%0.63%vs
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs

Deposit insurance

Is my money safe at The First National Bank of Izard County?

Yes. The First National Bank of Izard County is an FDIC-insured institution (FDIC certificate #11252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.5% of deposits ($24.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 31.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The First National Bank of Izard County lists 5 offices in 5 cities. Most locations:

  • Calico Rock, AR (1)
  • Horseshoe Bend, AR (1)
  • Melbourne, AR (1)
  • Mountain View, AR (1)
  • Mount Pleasant, AR (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Izard County
Former names
State Bank of Calico Rock; First State Bank; First National Bank of Izard County
Type
National bank
FDIC certificate #
11252
RSSD ID
379649
Primary regulator
OCC
Holding company
Wyatt Bancshares Inc
Established
May 1, 1914
Headquarters
2184 Ar 56 Hwy, Calico Rock, AR 72519
Employees
38

Quick answers

The First National Bank of Izard County: common questions

Is The First National Bank of Izard County FDIC insured?

Yes. The First National Bank of Izard County is an FDIC-insured institution (FDIC certificate #11252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Izard County's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Izard County ever failed?

There is no failure record for FDIC certificate #11252 in the FDIC failed bank list.

How many branches does The First National Bank of Izard County have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Calico Rock

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Century Bank of the OzarksBank Gainesville, MO74 out of 100, Strong$305.3M8.8%0.19%vs
Bank of SalemBank Salem, AR71 out of 100, Strong$261.5M12.4%1.79%vs